Trauma Insurance

Unfortunately, experiencing a trauma such as serious illness or injury at least once in your life is more common than you might think. Trauma insurance is designed to provide financial support, for example medical treatment and rehabilitation costs, if your client or their child were to face one of these events.

Our trauma insurance options

AIA Living Critical Conditions

Traditional trauma insurance, designed to pay a one-off lump sum if your client suffers from a range of defined medical conditions. Partial payments can also be offered for non-life threatening conditions. The payment can be spent however they like, whether it be covering medical treatment and rehabilitation costs, or providing financial breathing space.

This can be taken out for Personal or Business purposes.

AIA Living Progressive Care

Innovative trauma insurance that allows your client to make multiple claims, based on the severity of their illness or injury. Claim payments are linked to the severity of the condition: the more serious it is, the bigger the payment. They'll be covered for a range of defined medical conditions across five categories: Cancer, Heart and Arteries, Brain and Nerves, Loss of Function, and Other Health Events.

This can be taken out for Personal or Business purposes.

Find out more about the Trauma enhancements released on 04 April 2024.

Key benefits for your clients

Wide Medical Scope

Can be covered for a range of defined medical conditions
Reliable Cover

Offers protection if they face a major medical condition that isn't listed in the policy wording, but meets our definition of a 'severe illness or injury'
Covering Childhood

Includes some built-in trauma insurance for their children, and is available as a standalone policy for children from three months old, to support their family should their child face a serious illness or injury. View the Covering Childhood Brochure.
Medical Provision

At claim time we'll take into account the latest recognised medical diagnostic techniques used to assess your client's covered medical conditions
Optional Buy-back

Ability to reinstate the level of cover following a claim under their original AIA Living Critical Conditions policy without having to provide further medical information
AIA Vitality

Access to AIA Vitality, our science-backed health and wellbeing program
Future Proof Products

Access to our Enhancement Pass Back Benefit. Any improvements we make to our AIA products in the future are automatically applied to your client's policy, offering them even more at claim time.
Suspension of Cover Benefit

AIA provide the flexibility to suspend your cover for up to 12 months, without medical evidence if you meet the following conditions:
- Take parental leave
- Take leave without pay for any reason
- Get made redundant
- Become unemployed
- Experience at least a 20% reduction in pay
- If self-employed, experience a 30% reduction in revenue
No benefits will be payable for any claim event which occurs during this suspension period.

Optional add-onsEXPAND +

Early Cancer Upgrade

This provides cover for a number of minor cancer conditions that are treatable and non life threatening and at the early stage of diagnosis. One claim of 25% of the sum assured, subject to a maximum of $75,000 per life assured across AIA policies.

Critical Conditions Buy-Back

This allows the customer to reinstate the cover under the original AIA Living Critical Conditions policy following a claim without having to provide further medical information.

Life Cover Buy-Back

This allows the customer to reinstate the cover under the original AIA Life Cover following an accelerated Critical Conditions claim without having to provide further medical information. A minimum survival period applies and reinstatements are not permitted if the life assured is eligible for a Life Cover Terminal Illness Benefit or the Specified Terminal Conditions Benefit. Conditions apply.

Total Permanent Disablement Condition

Provides the customer with broader coverage to include an additional claimable condition, providing protection if they were to become permanently disabled and are unable to work as a result of an accident or illness. This applies to own occupation cover only.

Children's & Maternity Benefit

Additional trauma insurance that provides a lump sum payment (the lower of $75,000 or 50% of your customers sum assured) if your customers child aged from three months up to their 21st birthday was to face once of the eligible listed conditions^*. This benefit also provides limited cover for three defined serious pregnancy complications and eight listed children's congenital conditions.

* See all eligible listed conditions in policy wordings.